A corrupt and greedy businessman, Carl Ridley (Bill Paxton), is running from the government, with his 18 year old daughter Pippa (Agnes Bruckner) in tow. Pippa is not happy to leave her friends and comfortable life in Miami for the
Arriving in the islands, Ridley is preoccupied. Banks are rapidly closing and he must find a clean place to store his stolen money. Meanwhile, Pippa finds native Caymanian Fritz (Victor Rasuk) sleeping off a late night in her bed, and when she walks in on him, he flees out the window, leaving his wallet behind. She finds Fritz and befriends him.
Fritz is eager to show her the island, including its wild parties. But Fritz owes money to island gang leader Ritchie Ritch (Raz Adoti), and when he spies Pippa's father handling a lot of cash, Fritz begins scheming. Pippa is completely unaware that she's leading her father into even more trouble than he had in the United States.
